Home Insurance in Gilbert, Arkansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gilbert was built around 1982. About 26% of homes were built before 1960, about 6 points above Searcy County's 20%.
Housing in Gilbert breaks down to 100% single-family homes.
Almost no owner-occupied homes in Gilbert carry a mortgage.
All occupied homes in Gilbert are owner-occupied. The vacancy rate is 64%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gilbert - 86% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Searcy County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Searcy County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1982 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)